Privacy Policy

Our Commitment to Your Privacy

At McDonald Financial and Insurance Services, Inc., we are committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, protect, and share information when you visit our website or use our services.

Information We Collect

Personal Information You Provide

When you contact us or request our services, we may collect:

• Contact Information: Name, email address, phone number, mailing address
• Insurance Information: Current coverage details, insurance needs, beneficiary information
• Financial Information: Income details, assets, financial goals (for estate planning services)
• Health Information: Basic health details necessary for insurance quotes and enrollment (protected under HIPAA)
• Personal Details: Age, family size, employment status, and other information relevant to insurance planning

Website Information

When you visit our website, we automatically collect:

• Technical Data: IP address, browser type, device information, operating system
• Usage Data: Pages visited, time spent on site, referring websites (via Cloudflare Analytics)
• Cookies: Small files that help our website function properly and remember your preferences

How We Use Your Information

We use your personal information only for legitimate business purposes:

Service Provision

• Responding to your inquiries and consultation requests
• Providing insurance quotes and plan comparisons
• Assisting with insurance enrollment and policy management
• Developing estate planning strategies and documentation
• Ongoing client support and policy reviews

Business Operations

• Maintaining accurate client records in our CRM system
• Improving our website and services based on usage patterns
• Ensuring compliance with insurance regulations
• Protecting against fraud and maintaining security

Information Sharing and Disclosure

Insurance Carriers and Service Providers

We may share your information with:

• Insurance Companies: To obtain quotes, process applications, and manage policies
• Estate Planning Partners: Legal professionals and financial institutions for comprehensive planning
• Service Providers: Our CRM system, email services, and other business tools that help us serve you

Health Insurance - Special Protections

For health insurance services, we follow HIPAA requirements:

• We do NOT share personally identifiable information (PII) with health insurance carriers without your explicit consent
• Health information is shared only as necessary for insurance quotes and enrollment
• You have the right to access, modify, or request deletion of your health information

Legal Requirements

We may disclose information when required by law, court order, or to protect our legal rights and the safety of our clients.

Data Security and Protection

Security Measures

We implement multiple layers of security to protect your information:

• Secure Data Storage: Information stored in password-protected, encrypted systems
• Access Controls: Limited employee access on a need-to-know basis
• Regular Updates: Security software and systems updated regularly
• Secure Transmission: SSL encryption for all website communications
• HIPAA Compliance: Special protections for health information

Data Retention

We retain your information only as long as necessary for:

• Providing ongoing services and support
• Meeting legal and regulatory requirements
• Maintaining business records per industry standards

Cookies and Website Analytics

Cloudflare Analytics

We use Cloudflare Analytics to understand how visitors use our website. This service collects:

• General website usage patterns and popular pages
• Geographic regions of our visitors (not specific locations)
• Technical information about browsers and devices
• Traffic sources and referral information

Cookies

Our website uses essential cookies to:

• Remember your preferences during your visit
• Ensure proper website functionality
• Maintain security during form submissions

You can disable cookies in your browser settings, though this may affect website functionality.

Your Rights and Choices

Access and Control

You have the right to:

• Access: Request copies of personal information we have about you
• Update: Correct any inaccurate or incomplete information
• Delete: Request deletion of your personal information (subject to legal requirements)
• Restrict: Limit how we use your information
• Opt-Out: Decline future communications from us

HIPAA Rights

For health information, you also have the right to:

• Request an accounting of disclosures of your health information
• Request restrictions on how we use your health information
• File a complaint if you believe your privacy rights have been violated

Children's Privacy

Our services are designed for adults and we do not knowingly collect personal information from children under 13. If we discover we have collected information from a child under 13, we will delete it immediately.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will post any updates on this page and update the "Last Updated" date below. For significant changes, we will notify existing clients directly.